Enable faster payment processing without increasing customer friction.

gVERIFY® uses the routing and account number to provide real-time account status for consumer and business accounts giving your FI confidence that an account is valid prior to approving a deposit or accepting a payment.

How it works


Expedite payments and disbursements


Validate account status in either real-time or batch mode


Eliminate opportunities for fraud without adding friction

Confirm that an account is open, active and in good standing prior to accepting any type of payment originating from a checking account
Process ACH debits and disburse funds or claims via ACH or wire
Verify account status and ownership for recurring payment setup

Benefits Include


gVERIFY provides the following decision-based responses: Accept, Decline, Accept with Risk or No Data Found. Additional detail is provided in XML format as needed.

Banks contribute the positive and negative status of their accounts. Status information contributed includes open/valid, closed savings/checking, NSF, post no debits and more. This data is unique in the industry and has the largest coverage of bank account data nationwide, encompassing over 4 billion account records.

gVERIFY immediately reduces both administrative and NSF returns by providing the most recent status of your customer DDA accounts.

gVERIFY can be used as a stand-alone service to identify bank account status. It can also be used in conjunction with gAUTHENTICATE® to verify the account signatory when needed. Please see our gAUTHENTICATE product brief for more details.

Learn more about gVERIFY®